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In reply to the discussion: ALDI: "I'm sorry. We don't have cameras in our parking lot. The quarters are to return the carts." [View all]Hortensis
(58,785 posts)isn't it?
You usually won't get sued, though. Policies usually include a little no-fault..."slush fund" so to speak for paying when you don't actually have any liability -- IF claimants can actually show injury and expenses -- to encourage them not to file a lawsuit to get the $200 the ER billed to Steri-Strip a cut paid. At worst claimants may harass your company for more money, which the company may or may not pay to get rid of them.
Btw, of interest here on DU, where health insurance is frequently discussed, for several decades now our home, auto and business policies have been paying for a lot of the medical care needed by people who can't pay for it. It's been an occult health insurance system paid for by our insurance premiums, but the costs got worse and worse as expensive medical technology continued to develop. Like a teen we knew with a bad knee that was reinjured as a passenger in a car when our son's friend hit the brakes for a hole in the road. The driver didn't do anything wrong, but the care needed and bills were substantial enough that his family sued his friend's family to get their insurance to cover it. Not admirable, and the insured parents took it poorly, but the boy's parents apparently didn't have the money and he really needed the arthroscopic cleanout, physical therapy, etcetera.
I'm sure the many millions more who now have insurance through the ACA has relieved this problem somewhat, but just one more reason we should have universal coverage.